Sunrise Credit Services shows up in people’s lives as a phone call, a text, a letter — or a collection entry on a credit report from a company they have never done business with. That last part is normal: Sunrise is a third-party collector, so the debt it is chasing started somewhere else.
What Sunrise Credit Services is
Sunrise Credit Services, Inc. is a collection agency based in Melville, New York, in business since 1974 according to its Better Business Bureau record. Its own website describes first- and third-party accounts receivable management along with credit investigations — meaning it collects both under its clients’ names and under its own, and when it collects under its own name, “SUNRISE CREDIT SERVICES” is what appears on the report.
The errors to look for
Third-party collection is where credit reporting breaks down most often, because the account data has changed hands. Look for: a debt that is not yours at all; a balance larger than what you owed; a debt you already paid or settled still reporting as open; a debt too old to appear on the report; and the same debt reported twice — once by the original company and once by the collector — in a way that misstates what you owe. If the account is one you never had, start with our collection that is not yours page.
How to dispute a Sunrise entry
With the credit bureaus. Dispute in writing with each bureau showing the entry. The bureau generally has thirty days to investigate, and the company that reported the debt must investigate what is forwarded to it. Keep copies and proof of mailing.
With the company. Sunrise publishes a consumer contact route on its own website — a contact form and a payment portal — and its BBB record lists 8 Corporate Center Drive, Suite 300, Melville, NY 11747, telephone 800-208-8565. You can also demand validation of the debt itself; our free debt verification letter template covers how.
When the dispute fails
If a collection entry comes back “verified” and it is still wrong — not yours, the wrong amount, too old to report — the Fair Credit Reporting Act gives you a claim against the furnisher, the bureaus, or both. Damages can include your concrete losses, the harm to your credit, and statutory and punitive damages for willful violations. The fee provision is written into the Act: in a successful action the costs and reasonable attorney’s fees are recoverable from the defendant, as determined by the court. That is why this work is handled on a contingency basis rather than billed by the hour.
You pay nothing unless we win.
Where your situation fits
Our guide to removing collections from a credit report covers the steps in order, our directory of debt collectors and furnishers lists the companies that report, and if a dispute has already failed, our FCRA lawsuit page sets out what comes next.
Have your report reviewed
The Kim Law Firm represents consumers in Fair Credit Reporting Act cases against debt collectors and the credit bureaus. Send us the report page showing the entry and we will tell you whether we see a claim. Our FCRA attorney page covers how these cases work.
Contact us to have your credit report reviewed.
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.
This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with Sunrise Credit Services, Inc., and this page is not a complaint about that company. It describes how collection entries can appear on credit reports and the rights consumers have when an entry is wrong.